COASTAL Federal Credit Union in South Carolina vs the state
33.3%Denial rate+15.02 pts vs state
36.5%Decision denial rate+13.07 pts vs state
47.4%Origination rate-9.24 pts vs state
7.24%Median rate+0.74 pts vs state
0.26Rate spread (pts)+0.04 pts vs state
$138kMedian applicant income
27Loans originated
19Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 59 | 36 | 23.7% | 8.18% | #302 |
| 2024 | 60 | 26 | 31.7% | 8.50% | #301 |
| 2025 | 57 | 27 | 33.3% | 7.24% | #328 |
What COASTAL Federal Credit Union lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most COASTAL Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Horry County | 12 | 7 | 3 | 25.0% |
| Lancaster County | 10 | 3 | 4 | 40.0% |
| York County | 9 | 7 | 2 | 22.2% |
| Richland County | 4 | 1 | 2 | 50.0% |
| Florence County | 3 | 1 | 1 | 33.3% |
| Cherokee County | 3 | 1 | 2 | 66.7% |
| Pickens County | 2 | 1 | 0 | 0.0% |
| Chester County | 2 | 0 | 1 | 50.0% |
| Greenville County | 2 | 0 | 2 | 100.0% |
| Dorchester County | 2 | 1 | 0 | 0.0% |
Other large lenders in South Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 13,403 | 16.8% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 12,272 | 40.7% | 6.50% |
| United Shore Financial Services | B | 9,236 | 12.8% | 6.13% |
| 21st Mortgage | F | 6,510 | 48.2% | 10.41% |
| Dhi Mortgage Company | B | 6,184 | 17.4% | 4.99% |
| Navy Federal Credit Union | D | 5,424 | 21.2% | 7.50% |
| First-Citizens Bank & Trust | B | 5,399 | 20.9% | 6.38% |
| Freedom Mortgage | B | 5,296 | 7.3% | 6.25% |
| Mortgage Research Center | C | 5,189 | 19.1% | 6.25% |
| Bank of America | F | 5,009 | 33.1% | 6.24% |
Frequently asked questions
South Carolina: 57 applications in 2025, of which 27 were originated and 19 denied.
33.3% of all applications, or 36.5% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans COASTAL Federal Credit Union originated in South Carolina in 2025 was 7.24%, against a statewide median of 6.50%.
About this data. Figures are COASTAL Federal Credit Union's own HMDA filing for properties located in South Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology